About Catastrophe, or "Cat" Adjusting





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LCS Training Group, in addition to licensing certification, provides basic property estimating, Xactimate® training, and policy interpretation classes for the inexperienced person seeking employment in the field of catastrophe, or "Cat" property claims adjustment.  These individuals are the first to be called out to a storm site after a major event occurs. 

This can include hurricanes, tornadoes, hail storms, floods, and earthquakes.  Damage from these events can be quite severe and the area may be virtually uninhabitable.  Properties may be heavily damaged and difficult even to locate or reach after such an event.   Indeed, some structures such as homes and commercial buildings may no longer exist if the event is severe enough.

The "Cat" adjuster must be prepared to go and stay as long as necessary to complete the work at hand.  He, or she, must be a self-starter, willing to work long hours, and be prepared to leave home at a moment's notice.  They must also be in good physical health, not afraid of heights, and, most importantly, be able to work with others in  stressful situations.  This includes not only insureds, but insurance agents, other claims personnel, and restoration company representatives.


The "Cat" adjuster needs to be financially able to support themselves for a period of one to two months before receiving any pay from the company or companies for whom they will be working.  It will take some time for the companies to receive, audit, approve, and issue payments for claims handled during the storm work.  The "Cat" adjuster will most likely need to supply all of their own equipment necessary to do the work.  A list of equipment and estimated costs is included in our student manual.


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